*The Critical Illness benefit is an accelerated benefit and the death benefit will be reduced by the Critical Illness cover paid to the policyholder. To know more about the illnesses covered, please refer the sales brochure.
**Available only under Life Plus and All in One option. Maximum amount that can be availed is 2 Crore and will be paid as a lump sum.

*The Critical Illness benefit is an accelerated benefit and the death benefit will be reduced by the Critical Illness cover paid to the policyholder. To know more about the illnesses covered, please refer the sales brochure

SIP is a financial planning tool available for policy holder’s to create wealth and achieve their long term financial goals by contributing a fixed amount in a selected fund(s) at regular intervals, which could be either monthly, quarterly or yearly. The key benefits of SIP to policy holders are rupee cost averaging and also it inculcates disciplined approach towards financial savings rather than ad hoc investment decisions.

ICICI Pru Savings Suraksha grows your wealth with the promise of protecting your money. This is done through two guaranteed features in the plan called Guaranteed Additions (GA) and Guaranteed Maturity Benefit (GMB). At the end of the policy term, you receive a sum that includes Guaranteed Maturity Benefit (GMB), Guaranteed additions (GA) and additional bonuses declared by the company, if any.

What are Guaranteed Additions?

Guaranteed Additions (GAs) are equal to 5% of Guaranteed Maturity Benefits (GMB). These benefits will be added each year for the first five policy years, if all premiums due till that year are paid.

What is Guaranteed Maturity Benefit?

Guaranteed Maturity Benefit (GMB) is the guaranteed lump sum payable at the end of the policy term.

ICICI Pru Savings Suraksha provides you and your family all-round protection. In case of an unfortunate event during the policy term, your family receives a lump sum amount. This amount ensures that even in your absence, your loved ones are able to live the life you planned for them.

How much money will my family receive in my absence?

Minimum Life Cover that is equal to 105% of sum of premiums paid till date **

*Consists of vested reversionary bonuses, interim bonus and terminal bonus, if any.Reversionary Bonus is declared every year as a percentage of GMB/ Sum Assured plus earlier reversionary bonuses, and is payable on death of the life assured or maturity of the policy.
After declaring reversinonary bonuses, if there are still residual profits avaliable in the policy, they are declared as Terminal Bonus. Terminal Bonus or Final additional bonus is paid at maturity or at the time of death claim.
**Excluding extra Mortality Premiums and taxes. The cost of providing a Life Cover under the policy is called Mortality Premium.

With this plan, you can reduce your taxable income by investing up to
1.5 lakh under Section 80C. This will help you save tax. The money you get on maturity or death is also completely tax-free*.

*Tax benefits under the policy are subject to conditions under Section 80C, 10(10D) and other provisions of the Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time.

Product Snapshot

The dreams and goals of your loved ones always come first for you. Providing quality education to your children and financial security to your spouse are some of your non-negotiable life goals. To fulfill these goals, you would want to grow your wealth further. We present ICICI Pru Savings Suraksha, a plan that preserves your wealth and helps you secure the dreams of your loved ones with guaranteed benefits.

The plan allows you to choose the number of years for which you wish to pay premiums. You can opt for either the Five Pay option (payment of premiums for 5 years), Seven Pay option (payment of premiums for 7 years), Ten Pay option (payment of premiums for 10 years), Twelve Pay option (payment of premiums for 12 years) or the Regular Pay option (regular payment of premiums throughout the policy term).

How much premium can I pay?

Can I pay the premiums yearly, half-yearly or monthly?

Yes, you can choose to pay your premiums yearly, half-yearly or monthly.

How long does the policy last?

The policy can continue from 10 to 30 years*.

At what age can I start this plan?

There is no minimum age to start this plan. However, the maximum age should not be more than 60 years.

How old should I be when the plan reaches maturity?

Your minimum age at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.

How much premium can I pay?

You need to pay a minimum of `12,000 per year.

Can I pay the premiums yearly, half-yearly or monthly?

Yes, you can choose to pay your premiums yearly, half-yearly or monthly.

How long does the policy last?

The policy can continue from 17 to 30 years*.

At what age can I start this plan?

There is no minimum age to start this plan. However, the maximum age should not be more than 60 years.

How old should I be when the plan reaches maturity?

Your minimum age at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.

How much premium can I pay?

You need to pay a minimum of `12,000 per year.

Can I pay the premiums yearly, half-yearly or monthly?

Yes, you can choose to pay your premiums yearly, half-yearly or monthly.

How long does the policy last?

The policy can continue from 15 to 30 years*.

At what age can I start this plan?

There is no minimum age to start this plan. However, the maximum age should not be more than 60 years.

How old should I be when the plan reaches maturity?

Your minimum age at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.

How much premium can I pay?

You need to pay a minimum of `18,000 per year.

Can I pay the premiums yearly, half-yearly or monthly?

Yes, you can choose to pay your premiums yearly, half-yearly or monthly.

How long does the policy last?

The policy can continue from 12 to 30 years*.

At what age can I start this plan?

There is no minimum age to start this plan. However, the maximum age should not be more than 60 years.

How old should I be when the plan reaches maturity?

Your minimum age at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.

How much premium can I pay?

You need to pay a minimum of `30,000 per year.

Can I pay the premiums yearly, half-yearly or monthly?

Yes, you can choose to pay your premiums yearly, half-yearly or monthly.

How long does the policy last?

The policy can continue from 10 to 30 years*.

At what age can I start this plan?

There is no minimum age to start this plan. However, the maximum age should not be more than 60 years.

How old should I be when the plan reaches maturity?

Your minimum age at policy maturity should be 18 years. But, the maximum age should not exceed 70 years.

This illustration is for a healthy male life assured. If your policy offers guaranteed returns, then these will be clearly marked “guaranteed” in the Benefit Illustration on this page. Since your policy offers variable returns, the given illustration shows different rates of assumed future investment returns. The maturity benefit of your policy is dependent on a number of factors, including future performance.